Vehicle Insurance Estimator

Get an indicative motor insurance premium for your vehicle in Nepal in seconds.

Vehicle type

Vehicle value (Rs)Include comprehensive (own-damage) cover

Third-party premiumRs 1,400

Comprehensive (own damage)Rs 6,250

Indicative annual premiumRs 7,650

Indicative figures kept by RoadSewa, not a tariff lookup and not an insurer quote. Third-party rates are set by the Nepal Insurance Authority and own-damage cover is priced by each insurer by vehicle age, make and add-ons, so your actual premium will differ. Own-damage here is a flat 1.25% of the value you entered. Figures last updated 8 August 2026. Third-party motor insurance is mandatory to renew your bluebook — get real quotes below.

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Third-party vs comprehensive cover

Third-party insurance is mandatory in Nepal and covers damage or injury you cause to others — it is required to renew your bluebook. Comprehensive cover adds protection for your own vehicle against accident, theft, fire and natural disaster, so the premium is higher and scales with your vehicle's value.

Good to know

These figures are indicative — final premiums are set by the insurer.
Third-party rates follow the Nepal Insurance Authority tariff.
Add-ons like passenger cover and no-claim discounts change the price.
Renew before expiry to avoid a lapse and possible fines.

Frequently asked questions

Is vehicle insurance mandatory in Nepal?

Yes. Third-party motor insurance is legally required for every vehicle, and you cannot renew your bluebook without a valid policy.

What is the difference between third-party and comprehensive insurance?

Third-party covers damage or injury you cause to others and is mandatory. Comprehensive also covers your own vehicle against accident, theft, fire and natural disaster, so its premium is higher and scales with the vehicle’s value.

How is the insurance premium calculated?

Third-party rates follow the Nepal Insurance Authority tariff based on vehicle type and engine capacity. Comprehensive premiums scale with the insured value (sum insured) of the vehicle, plus any add-ons you choose.

What is a no-claim bonus (NCB)?

A no-claim bonus is a discount insurers give for each claim-free year, which lowers your comprehensive premium at renewal. Making a claim usually resets it.

What happens if my vehicle insurance lapses?

You cannot legally drive or renew your bluebook, and you lose any accumulated no-claim bonus. Always renew before the expiry date to avoid a lapse and possible fines.

Are these estimates the final premium I will pay?

No — the figures here are indicative. The insurer sets the final premium based on your exact vehicle, chosen cover and add-ons.